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AN ACT
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IN THE COUNCIL OF THE DISTRICT OF COLUMBIA
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To amend, on an emergency basis due to congressional review, Chapter 38 of Title 28 of the
District of Columbia Official Code to require credit reporting agencies to accept a
personal statement from a consumer indicating the consumer experienced financial
hardship resulting from a public health emergency; to prohibit users of credit reports
from taking into consideration adverse information in a report that was the result of the
consumer’s action or inaction that occurred during the public health emergency; to
require credit reporting agencies to notify residents of the right to request a personal
statement; and to provide for civil action for such violations.
BE IT ENACTED BY THE COUNCIL OF THE DISTRICT OF COLUMBIA, That this
act may be cited as the “Public Health Emergency Credit Alert Congressional Review
Emergency Amendment Act of 2023”.
Sec. 2. Chapter 38 of Title 28 of the District of Columbia Official Code is amended as
follows:
(a) The table of contents is amended by adding a new subchapter designation to read as
follows:
“Subchapter IV. Public Health Emergency Credit Alert.
“28-3871. Public health emergency credit alert.”.
(b) A new section 28-3871 is added to read as follows:
Ҥ 28-3871. COVID-19 Emergency credit alert.
“(a)(1) If a consumer reports in good faith that the consumer has experienced financial
hardship resulting directly or indirectly from the public health emergency declared by the Mayor
(Mayor’s Order 2020-046) on March 11, 2020, a credit reporting agency maintaining a file on
the consumer shall accept and include in that file a personal statement furnished by the consumer
indicating that the consumer has been financially impacted by the COVID-19 emergency.
“(2) A credit reporting agency shall provide that personal statement along with
any credit report provided by the agency, beginning on the date the credit reporting agency
receives the personal statement, unless the consumer requests that the personal statement be
removed. ENROLLED ORIGINAL
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“(b) This section shall not apply to a federal credit union, as defined by 12 U.S.C. §
1752(1), a national bank, as defined by 12 U.S.C. § 25b(a)(1), or a federal savings association, as
defined by 12 U.S.C. § 1462(3); except, that an exception granted by this subsection shall not
apply to any entity to which the savings clause at 12 U.S.C. § 25b(b)(2) applies.
“(c) No user of a credit report shall consider adverse information in a report that was the
result of an action or inaction by a consumer that occurred during, and was directly or indirectly
the result of, the public health emergency declared by the Mayor (Mayor’s Order 2020-046) on
March 11, 2020,, if the credit report includes a personal statement pursuant to subsection (a) of
this section.”
“(d) When a District resident requests a copy of a credit report pursuant to 15 U.S.C. §
1681j, the entity providing the credit report must notify the resident of the right to request a
personal statement to accompany the credit report.
“(e) If a credit reporting agency violates this section, the affected consumer may bring a
civil action consistent with 15 U.S.C. § 1681n.
“(f)(1) The Attorney General may petition the Superior Court of the District of Columbia
for temporary or permanent injunctive relief for, and for an award of damages for property loss
or harm suffered by a consumer as a consequence of, a violation of this section, or fraudulent or
deceptive conduct in violation of this section that harms a District resident.
“(2) In an action under this section, the Attorney General may recover:
“(A) A civil penalty not to exceed $1,000 for each violation; and
“(B) Reasonable attorney’s fees and costs of the action.
“(g) The following terms shall have the same meaning as defined in § 28-3861:
“(1) Consumer;
“(2) Credit report; and
“(3) Credit reporting agency.
“(h) This section shall not be construed in a manner inconsistent with 15 U.S.C. § 1681 et
seq., or any other federal law or regulation.”.
Sec. 3. Applicability.
This act shall apply as of October 29, 2023.
Sec. 4. Fiscal impact statement.
The Council adopts the fiscal impact statement of the Budget Director as the fiscal impact
statement required by section 4a of the General Legislative Procedures Act of 1975, approved
October 16, 2006 (120 Stat. 2038; D.C. Official Code § 1-301.47a).
Sec. 5. Effective date.
This act shall take effect following approval by the Mayor (or in the event of veto by the
Mayor, action by the Council to override the veto), and shall remain in effect for no longer than ENROLLED ORIGINAL
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90 days, as provided for emergency acts of the Council of the District of Columbia in section
412(a) of the District of Columbia Home Rule Act, approved December 24, 1973 (87 Stat. 788;
D.C. Official Code § 1-204.12(a)).
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Chairman
Council of the District of Columbia
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Mayor
District of Columbia